Interestingly this is also the attitude of many money managers (Warren Buffett, to take the best known example). You'd think at least they would take explicit, timed preventive action. Many (most?) of them don't.
I'm not sure exactly what you're trying to say about Buffett, but he's sitting on a gigantic pile of cash right now. He knows which way the wind is blowing.
Not sure this is a result of crash planning, or that good deals are hard to find at the top and he won't pony up unless it's a good deal.
Which is exactly what I'm doing as a freelancer as well.